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SoFi (SOFI)

Financials · Fintech / Digital Banking · NASDAQ

An integrated digital financial services "everything app" offering consumer banking, lending, investment products, and enterprise-grade technology infrastructure.

What SoFi does

SoFi is a member-centric, digital financial services platform that offers an integrated "everything app" to help individuals borrow, save, spend, invest, and protect their money. The company operates through three segments: Lending, Financial Services, and a Technology Platform that supports enterprises in creating and running financial products. Its business model focuses on building high-frequency digital engagement through personalized experiences and vertically integrated technology to provide financial solutions.

Themes: fintech, neobanking, digital lending, consumer finance, banking-as-a-service, financial wellness

Fundamentals

  • Price$14.68 as of 2026-10-20 close
  • Market cap$19.0B as of 2026-07-31 (share count; price 2026-10-20)
  • 1-year return-48.8% 2025-10-20 close $28.68 → 2026-10-20 close $14.68
  • P/E29.96 as of 2026-10-20
  • Net margin+77.7% FY2025, SEC XBRL
  • ROE+4.6% FY2025, SEC XBRL
  • ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
  • Debt / equityn/a No figure: its filing reports debt under a line we do not read, so a total would be understated.
  • Revenue growth (YoY)+23.1% FY2025, SEC XBRL
  • Revenue CAGR (3y)+18.0% SEC XBRL
  • Beta2.34 as of 2026-09-02
  • Last reported earnings2026-07-29 SEC EDGAR Form 8-K (Item 2.02)

Dividend: does not currently pay a dividend.

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How SOFI compares in its sector

  • price-to-earnings ratiotop 10% 487 covered Financials peers, as of 2026-10-20
  • net profit margintop 25% 343 covered Financials peers, as of 2026-09-02
  • return on equitybottom 25% 558 covered Financials peers, as of 2026-09-02
  • 3-year revenue CAGRtop 25% 347 covered Financials peers
  • free cash flow (absolute dollars, latest fiscal year)bottom 10% 430 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Top 10 scores & list membership

SOFI is not currently in any published Top 10 list. Its scores are below.

Top 10 score

31.5 #1212 of 1,265 scored · #166 of 173 in Financials

  • Profitability25.4
  • Growth81.4
  • Financial health1.3
  • Valuation45.6
  • Capital return12.2
  • Trend9.3

Growth 81st (revenue growth year over year 23.1%, 3-year revenue CAGR 18%) and valuation 46th (price to book 1.7, price to earnings 30); weakest is financial health (1st, free cash flow margin -643.4%).

Scores as of 20 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.

Quarterly results

QuarterRevenueNet incomeDiluted EPSOperating cash flowCapex
Q2 FY2026 2026-06-30$154M$157M$0.12-$3.9B†$97M†
Q1 FY2026 2026-03-31$130M$167M$0.12-$2.3B$68M
Q4 FY2025 2025-12-31$170M†$174M†$0.14†-$991M†$66M†
Q3 FY2025 2025-09-30$157M$139M$0.11-$1.3B†$60M†
Q2 FY2025 2025-06-30$152M$97M$0.08-$1.5B†$63M†
Q1 FY2025 2025-03-31$140M$71M$0.06$22M$53M
Q4 FY2024 2024-12-31$136M†$332M†$0.31†-$200M†$42M†
Q3 FY2024 2024-09-30$131M$61M$0.05-$1.2B†$43M†

† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.

Balance sheet at 2026-06-30

  • Cash and equivalents$3.1B
  • Total debtnot shown the filing reports its long-term debt in a form we do not read yet

From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.

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How SoFi looks technically

SoFi (SOFI) is trading 20.7% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 154 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 5 trading days ago. It is 55.1% below its highest point of the past year.

Trend

8
Distance from the 200-dayit is trading 20.7% below its 200-day average, the long-term trend line — a long-term downtrend-20.7%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $16.94$16.94
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $18.51$18.51
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing high 28 calendar days ago — the swings before that are what the structure reading is measured on28 sessions
Wave structureits recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 17.96. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C.possible downward five-wave sequence, in wave 3 (one of several readings)
Since the 50/200 crossits 50-day average crossed below its 200-day average about 154 trading days ago — a "death cross", a bearish long-term signal154 sessions
Trend strength (14-day ADX)a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend)23.9

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30)38.0
Position in its 14-day rangeit is trading in the lower half of its 14-day range ($13.86 to $16.25) — its "stochastic" reading is 34 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.34.3
Since the MACD crossed zeroMACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish)36 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $32.73$32.73
From the 52-week highit is 55.1% below its 52-week high (its highest price of the past year)-55.1%
Above the 52-week lowit is 5.9% above its 52-week low (its lowest price of the past year)+5.9%
Below the 52-week highit is 55.1% below its highest point of the past year55.1%
Since a 20-day breakoutit made a new 20-day low about 5 trading days ago5 sessions
Since a 55-day breakoutit made a new 55-day low about 5 trading days ago5 sessions
All-time highits highest closing price on record is $32.73 (set on 2025-11-12)$32.73
Given back of the 52-week moveover the past year its closes ranged ($14.22 to $32.21), and it has recovered only a small part of its fall from last year’s high — 3% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $25.34 to $25.91. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.2.6%
From the all-time highit is 55.1% below its all-time high-55.1%
Nearest price levelit is trading 1.3% above a support level at $14.49 — a price it turned at four times since 2024-11-11, most recently on 2025-04-29. Since 2024-10-21 it has 2 such levels below the current price and 12 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-1.3%
All-time lowits lowest closing price on record is $4.24 (set on 2022-12-07)$4.24
Above the all-time lowit is 246.2% above its all-time low+246.2%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are about average versus its own recent 6-month history50th percentile
Typical daily rangein a typical session it travels about $0.6834 between its high and its low — about 4.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.6834
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $14.16 and $16.96 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$14.16 – $15.56 – $16.96
Typical daily range (% of price)its price moves about 4.7% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price4.7%
Stretch from the 200-day averageit is trading 5.6 daily ranges below its 200-day average price (20.7% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale5.6 daily ranges below its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.96×

Analyst

2
Change in the average price targetanalysts have raised their average price target by 0.1% since the prior reading+0.1%
Change in the consensus ratingthe analyst consensus rating has improved toward "buy" since the prior reading0.07 toward buy

Candlestick patterns

1
Since a bullish engulfing3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it3 sessions ago

Price gaps

3
Gap at the openit opened on 2026-10-20 0.7% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close-0.7%
Open gapit gapped 2.1% below the previous close 6 sessions ago and has not traded back through the level it left behind at 15.8 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed-2.1%
Gap filleda 2.3% gap down opened on 2026-10-15 has been "filled" 3 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it3 sessions ago

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 14.4 percentage points (the stock lost 13.4% while the market gained 1.0%)-14.4%
vs market, 3 monthsover the past 3 months this stock lagged the market by 17.3 percentage points (the stock lost 13.7% while the market gained 3.6%)-17.3%
vs market, 6 monthsover the past 6 months this stock lagged the market by 33.2 percentage points (the stock lost 24.7% while the market gained 8.5%)-33.2%
vs market, 12 monthsover the past 12 months this stock lagged the market by 63.4 percentage points (the stock lost 48.8% while the market gained 14.6%)-63.4%

Signal agreement

2
Bullish technical signals0 of the 9 technical signals we can compute for it are currently in a bullish state — these describe past price behaviour, not a forecast0 of 9
Bearish technical signals5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast5 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 15% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.8% of the share price.-15.2%

Volume-weighted price

2
Vs this year’s average price paidthe price is 19% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $18.21 — a volume-weighted average of daily closes over 196 sessions, not a true tick-by-tick VWAP.-19.4%
Vs the average paid since it last reportedthe price is 13% below the average price paid since it last reported on 2026-07-29 (its 8-K), so the typical buyer over that stretch is under water. That average is $16.89 — a volume-weighted average of daily closes over 59 sessions, not a true tick-by-tick VWAP.-13.1%

Price levels it has turned at before

SOFI last closed at $14.68 on 2026-10-20. Since 2024-10-21 it has turned at 2 prices below its last close and 12 above; the 2 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$14.49Support1.3% below the last closeturned there four times · 2024-11-11 to 2025-04-29
$14.88Resistance1.4% above the last closeturned there six times · 2024-12-06 to 2026-07-29
$15.58Resistance6.1% above the last closeturned there twice · 2026-04-29 to 2026-06-11
$13.68Support6.8% below the last closeturned there twice · 2025-01-02 to 2025-01-13
$16.67Resistance13.5% above the last closeturned there three times · 2026-03-02 to 2026-06-23

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.

This labelling fails — stops being a possible reading at all — if it closes above $17.96.

This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $13.79 and $15.38 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $17.96.

This reading has stood for 16 trading days, since 2026-09-29.

Read from daily closes as of 2026-10-20.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Consensus ratingHold (2.60 mean, 1=Strong Buy…5=Strong Sell) — 23 analysts
  • Mean price target$20.36 range $12.00 – $30.00; median $19.00

Analyst estimates, as of 2026-10-19. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for SOFI

  • Consensus EPS estimate$0.1664 next reporting period, as of 2026-10-19
  • Estimate change, 30 days-$0.00075 (-0.4%) from $0.1672, on 2026-09-14, 35-day window
  • Readings revised upward30% of 10 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["reliance on interest rate environments for lending activity","regulatory changes affecting digital financial services and lending practices","credit risk associated with personal, student, and home loan portfolios"]

See SOFI's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of SOFI's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.

Management's Discussion & Analysis (MD&A)

  • Reworded:
    • Form 10-K filing date changed from 'February 24, 2025' (older filing 2025-11-06) to 'February 17, 2026' (newer filing 2026-05-07)
  • Notes:
    • Both text excerpts are identical except for the Form 10-K filing date reference, suggesting this is a standard boilerplate section with only the date updated for the new filing period

Risk Factors

  • Added:
    • Newer filing adds reference to 'SoFi Crypto' as a financial services product (2026-05-07)
    • Newer filing adds description of 'Our Technology Platform supports innovation for a broad range of enterprises, with offerings that give clients the ability to create, launch and run financial products' (2026-05-07)
    • Newer filing adds reference to exploring 'stablecoin issuance and tokenized deposits' as future SoFi Bank products (2026-05-07)
    • Newer filing adds reference to 'crypto trading through SoFi Bank' (2026-05-07)
  • Removed:
    • Older filing mentions 'one-stop shop for financial services' which is replaced with 'everything app for digital financial services' in newer filing (2025-11-06 removed, 2026-05-07 replaced)
    • Older filing contains statement about 'strategic acquisitions to further expand our technology platform capabilities for enterprises' which is removed in newer filing (2025-11-06)
    • Older filing states 'Golden Pacific's community bank business continues to operate as a division of SoFi Bank' which is removed in newer filing (2025-11-06)
    • Older filing references that 'We offer checking and savings accounts and credit cards through SoFi Bank' while newer filing adds 'and crypto trading' (2025-11-06 vs 2026-05-07)
  • Reworded:
    • Page numbers shifted: Business Overview moved from page 57 (older) to page 53 (newer)
    • Business Highlights moved from page 62 (older) to page 58 (newer)
    • Non-GAAP Financial Measures moved from page 64 (older) to page 60 (newer)
    • Key Business Metrics moved from page 70 (older) to page 66 (newer)
    • Segment date changed from 'September 30, 2025' (older) to 'March 31, 2026' (newer)
    • Phrase 'other financial institutions' changed to 'other financial institutions' with added word 'other' in competitive advantage section (2026-05-07)
    • Cross-reference formatting changed from 'Our Reportable Segments—Financial Services Segment' to 'Our Reportable Segments—Financial Services Segment' in footnote (minor formatting)
  • Notes:
    • Text provided appears truncated at end of both filings, limiting complete assessment of all changes
    • Some page number shifts may reflect content reorganization rather than substantive changes
    • Section comparison is limited to visible portions of the Business Overview section

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 3 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.

  • Last 90 days · read to 2026-10-160 buys · 3 sells ($702414) — 2 selling insiders
  • Last 180 days · read to 2026-10-163 buys ($749336) · 8 sells ($3M) — 1 buying, 3 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-09-21. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

U.S. House trading disclosures

U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 2 matched disclosures for SOFI from U.S. House Clerk Periodic Transaction Report filings.

U.S. House trading disclosures →

Institutional ownership (13F)

5 institutional 13F filers reported holding SOFI as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 178,981,132
  • Reported value $3,209,131,704

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

SOFI had 214,897,462 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).

SOFI had 16.6% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.15 days to cover at the same settlement.

  • Reported short interest (shares) 214,897,462
  • Short interest (% of shares outstanding) 16.6%
  • Prior settlement (shares) 188,982,888
  • Reported change 13.71%
  • Days to cover (reported) 4.15

Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does SoFi (SOFI) do?

SoFi is a member-centric, digital financial services platform that offers an integrated "everything app" to help individuals borrow, save, spend, invest, and protect their money. The company operates through three segments: Lending, Financial Services, and a Technology Platform that supports enterprises in creating and running financial products.

What sector is SoFi (SOFI) in?

SoFi (SOFI) is classified in the Financials sector. Its industry is Fintech / Digital Banking. It trades on NASDAQ.

Does SOFI pay a dividend?

No — SoFi (SOFI) does not currently pay a dividend (market data, as of 2026-09-02). Informational only — not financial advice.

Who are SoFi's (SOFI) competitors?

Notable peers of SoFi (SOFI) include LendingClub, Affirm, Robinhood Markets, PayPal and Block. This peer set is informational only — not financial advice.

Has there been recent U.S. House stock trading in SOFI?

Yes — we hold 2 matched STOCK Act disclosures for SOFI from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.

Is SoFi (SOFI) overbought or oversold right now?

SoFi (SOFI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 38, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on SOFI come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-20.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.